California Consumer Privacy Act Notice

California Consumer Privacy Act Notice

Revised 1/2020

This California Consumer Privacy Act (CCPA) Notice (“Notice”) is provided by California Coast Credit Union (Cal Coast, “we” or “us”). This Notice explains how we collect, use, and disclose personal information about California residents. The Notice also explains certain rights that California residents have under the California Consumer Privacy Act.

This Notice explains how California residents can exercise their rights under the CCPA to request that we: (1) provide certain personal information that we have collected about them during the past twelve (12) months, along with other information described below, or (2) delete specific personal information that we have collected from them. Under the CCPA, “personal information” is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. This information is referred to in this Notice as “Personal Information.”

Categories of Personal Information that We Collect and Disclose

We collect and disclose Personal Information in a variety of contexts. For example, we collect and disclose Personal Information to provide individual and commercial financial products and services, and for our employment and human resource purposes.

The Personal Information that we collect, use, or disclose about a specific California resident will depend on, for example, our relationship or interaction with that individual.

During the past 12 months, we may have collected the following categories of Personal Information depending on how you choose interact and do business with us:

CCPA CATEGORIES ILLUSTRATIVE EXAMPLES
Identifiers Name, address, email address, online identifiers, internet protocol address, Social Security numbers, or other similar identifiers
Personal information as defined in the California Customer Records Act, Cal. Civ. Code §1798.80 Contact and financial information
Protected classifications under California or federal law Age, marital status, sex, and veteran or military status
Commercial information Information about past transactions or purchases
Biometric information Behavioral characteristics derived from interactions with our websites or mobile apps
Internet or similar network activity information Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
Geolocation data Device location
Audio, electronic, visual, or similar information Call and video recordings
Inferences drawn from other personal information Certain inferences concerning an individual’s preferences and characteristics
 
Categories of Sources of Personal Information

In the past 12 months, we may have collected personal information of California residents from the following sources:

Purposes for Using Personal Information

Most of the information we use is in the context of providing financial products and services, and is therefore not subject to the CCPA. The purposes for which we collect and use Personal Information depend on, among other things, our relationship or interaction with a member. We may use personal information relating to California residents for one or more of the following business purposes:

We may also use personal information relating to California residents for one or more of the specific “business purposes” listed in the CCPA:

Sources of Personal Information

The sources from which we collect Personal Information depend on, among other things, our relationship or interaction with California residents. The information below lists the categories of sources from which we collect Personal Information in different contexts.

Categories of Third Parties with Whom We Share Personal Information

The categories of third parties with whom we share Personal Information depend on, among other things, our relationship or interaction with each individual. The information below lists the categories of third parties with whom we share Personal Information in different contexts.

Rights Under the CCPA

If you are a California resident, you may request that we disclose to you the following information covering the twelve (12) months preceding your request:

California residents also have the right to submit a request for deletion of personal information under certain circumstances, although there may be legal or other reasons that Capital One will retain your information.

In some instances, we may decline to honor your request. For example, we may decline to honor your request if we cannot verify your identity or confirm that the personal information that we maintain relates to you, or if we cannot verify that you have the authority to make a request on behalf of another individual. In other instances, we may decline to honor your request where an exception applies, such as where the disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information that we maintain about you is not subject to the CCPA. Nonetheless, you have the right to be free from unlawful discrimination for exercising your rights under the CCPA.

Responding to Requests

Privacy and data protection laws, other than the CCPA, apply to much of the Personal Information that we collect, use, and disclose. When these laws apply, Personal Information may be exempt from, or outside the scope of, Access Requests and Deletion Requests. As a result, in some instances, we may decline all or part of an Access Request or Deletion Request related to this Personal Information. This means that we may not provide some or all of this Personal Information when you make an Access Request. Also, we may not delete some or all of this Personal Information when you make a Deletion Request.

As examples, our processing of or response to an Access Request or Deletion Request may not include some or all of the following Personal Information:

The types of Personal Information described above are examples. We have not listed all types of Personal Information that may not be included when we respond to or process Access Requests or Deletion Requests.

In addition to the above examples, we may not include Personal Information when we respond to or process Access Requests or Deletion Requests when the CCPA recognizes another exception. For example, we will not provide the Personal Information about another individual where doing so would adversely affect the data privacy rights of that individual. As another example, we will not delete Personal Information when it is necessary to maintain that Personal Information to comply with a legal obligation.

How to Make Requests

If you are a California resident, you can make an Access Request or a Deletion Request by:

  1. Print, complete, and have notarized the CCPA Request to Know or Delete Form and return via certified mail to: CCPA Request, PO Box 502080, San Diego, CA 92150-2080.
  2. Visit a branch location
Changes to This California Consumer Privacy Act Disclosure

We may change or update this CCPA Disclosure in the future. When we do, we will post the revised CCPA Disclosure on this website. This CCPA Disclosure was last updated and became effective on the date posted at the top of this page.

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, California Coast Credit Union suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated please contact CCCU by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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